CostKits Healthcare, Organized
Login
Home Tools Procedure Costs Learn
Reviewed by John Caruso, FSA, MAAA • Data last updated

ACL Surgery Cost (2026): $2,854–$7,097

Typical cost

$2,854–$7,097

Sticker price is almost never what patients actually pay.

Your actual cost depends on your deductible, coinsurance, and where you are in your plan.

👉 The same ACL Surgery could cost you $0 or $7,097.

Get your free cost toolkit ↓

Takes about a minute. No sign-up required.

ACL surgery replaces a torn anterior cruciate ligament in the knee with a graft. It is usually done as outpatient surgery, followed by months of physical therapy.

CostKits Data - ACL Surgery

$2,850–$7,100
National typical range
Median across all 50 states
7×
National price spread
Cheapest vs. most expensive market
3,955
Facilities in our database
98% have observed negotiated rates
High
Shopping potential
Facility type is the biggest cost lever
50
States with cost data
Updated 2026

Facility Choice Is the Biggest Cost Driver

Setting Typical Allowed Amount
Hospital outpatient dept. $6,050–$8,150
Ambulatory Surgery Center (ASC) $3,200–$4,250

Same procedure, same clinical outcome - 40–55% lower allowed amount. Ask your physician if the procedure can be performed at an ASC.

CostKits Market Intelligence - ACL Surgery

Confidence: High
Sources Used
  • CMS Medicare fee schedules (MPFS, OPPS, ASC)
  • Hospital price transparency files
  • Commercial rate relativity model
Estimate Composition
Observed negotiated rates
100%
Medicare baseline
0%
Estimated relativity
0%
288 geographic markets analyzed
3,955 facilities in dataset
50 states + 238 metros

Where people are getting ACL Surgery done

A sample of real facilities across major U.S. metros - click a pin to save one, or enter your ZIP to find facilities near you.

Click a pin to save a facility - auto-cycling through major metros

See facilities near you

Enter your email and we'll send you real ACL Surgery pricing for your area.

Facility locations from CMS hospital price-transparency filings. Get a personalized cost estimate →
Save facility

How to Use This Data

These prices come from hospital price transparency files that hospitals are required by law to publish. They represent the range of what hospitals declare as their charges - actual negotiated rates with insurers are typically 40–60% lower.

If you have insurance: Your out-of-pocket cost is determined by your deductible, coinsurance, and your insurer's negotiated rate with the specific facility. Call your insurer for a pre-service cost estimate before scheduling.

If you are uninsured: Call 2–3 facilities directly and ask for their self-pay or cash-pay rate. Most facilities offer 20–50% discounts off list prices for upfront payment.

If you received a bill: Upload it to CostKits to compare what you were charged against what other facilities in your state reported.

What you pay for a acl surgery depends on where you go and what is billed separately. Most patients find out after.

Your personalized cost report includes:

  • ✓ Type of graft: The source of the graft, from your own tissue or a donor, affects the supplies and the bill.
  • ✓ Surgery center or hospital: Facility fees differ between settings.
  • ✓ Which bills usually arrive separately, and which providers to check are in-network
  • ✓ The questions to ask before you schedule, so the estimate covers everything
  • ✓ A real patient billing breakdown, line by line

Free for patients - takes 30 seconds to get.

We'll send a sign-in link to your email - click it to get your guide. No account required, no spam.

What's Actually on an ACL Surgery Bill?

A single acl surgery can generate multiple separate bills. Each provider bills independently and they often arrive weeks apart. Here's what to expect at a Hospital Outpatient:

Billing Component Always? Typical Amount Separate Bill? Notes
Facility Fee Always - Often
Surgeon Fee Always - Usually
Anesthesia Always - Usually

ACL Surgery Cost-Saving Decision Guide

Three moves that reduce your actual out-of-pocket cost - not just awareness, but specific decisions you can make before scheduling:

Choose the right facility
If: Procedure is non-urgent + a hospital outpatient department is where you're scheduled
Typical savings: $1,500–$3,200 - Moving from a hospital outpatient department to ASC is typically the single biggest lever - identical care, lower overhead

Common ACL Surgery Billing Surprises

The sticker price is rarely the whole story. These are the charges that most often surprise people after a acl surgery - knowing them in advance is how you catch errors and avoid out-of-network bills.

You May Receive Two Bills

Most acl surgery episodes produce a facility charge and a separate professional (surgeon) charge. Even when the facility is in-network, the surgeon can be out-of-network.

The Surgeon Bills Separately

The surgeon bills independently from the facility and may arrive later as its own statement.

Anesthesia May Be Billed Separately

Anesthesia is frequently provided by a separate group and may be out-of-network even when the facility is not.

Facility Fees

Hospital facility fees are typically far higher than ambulatory or independent settings for the identical service.

Out-of-Network Surgeon

Confirm the surgeon - not just the facility - is in your network before the procedure.

Explore ACL Surgery Costs

How Insurance Affects the Cost of This Procedure

Understanding these insurance concepts can help you estimate what you may actually pay for this procedure.

Cheapest States for ACL Surgery

The 10 lowest-cost states for acl surgery, by typical facility price range. Use these as a benchmark.

  1. 1. Maryland $1,701–$2,152
  2. 2. Tennessee $1,921–$3,542
  3. 3. Nebraska $1,819–$3,943
  4. 4. Texas $2,369–$3,465
  5. 5. Arizona $2,158–$3,873
  6. 6. Rhode Island $1,820–$4,533
  7. 7. Hawaii $1,900–$4,666
  8. 8. South Carolina $2,516–$4,554
  9. 9. Pennsylvania $1,954–$5,129
  10. 10. Michigan $2,216–$5,120

Most Expensive States for ACL Surgery

The 10 highest-cost states for acl surgery. If you're in one of these, shopping facilities and asking for the cash-pay rate matters most.

  1. 1. South Dakota $5,378–$11,469
  2. 2. Louisiana $4,291–$11,657
  3. 3. Idaho $4,888–$11,026
  4. 4. Indiana $4,403–$10,660
  5. 5. North Carolina $6,649–$7,051
  6. 6. New Mexico $6,000–$7,542
  7. 7. North Dakota $5,297–$7,143
  8. 8. New Jersey $4,292–$8,114
  9. 9. New York $3,007–$9,368
  10. 10. Alaska $2,803–$9,567

ACL Surgery Cost by State

Data source: CMS Hospital Price Transparency Machine-Readable Files. Prices represent hospital-declared charges and do not include physician fees, anesthesia, or other separately-billed services.

What will you pay for ACL Surgery?

Get my estimate

Interested in understanding healthcare costs and managing your medical expenses?

About the Author

John Caruso, FSA, MAAA

Healthcare actuary with 20+ years of experience in insurance pricing, medical billing systems, and healthcare cost analytics.

Connect on LinkedIn →

Ready to take control of your healthcare costs?

Use the free cost estimator →  ·  Get your bill screened for free →  ·  See the family plan →

Published October 29, 2026 · Updated October 29, 2026

Track Your Healthcare Costs

Create a free account to save procedures and compare prices.

Get My Free Account